In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask an expert
Finder makes money from featured partners, but editorial opinions are our own.
Emirates Citi World Mastercard - DISCONTINUED
Terms and conditions apply
Bonus points
60,000
Purchase rate
21.49% p.a.
Reward point per $ spent
1
Annual fee for the first year ($299 p.a. thereafter)
$149 p.a.

Our verdict

No longer on the market as of 31 May 2023.

The Emirates Citi World Mastercard is no longer available for new applications. But we’ve kept details about this card online for existing customers and anyone else who is interested. You can compare other Emirates credit card options here.

Pros

  • 60,000 bonus Skywards Miles
  • Discounted annual fee of $149 for the first year
  • 0% p.a. on balance transfers for the first 9 months, with no BT fee
  • Two complimentary lounge passes per year

Cons

  • The standard annual fee of $299 is high
  • The $3,000 spend cap before the lower earn rate kicks in is relatively low

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask an expert
The Emirates Citi World Mastercard is a premium frequent flyer card that earns between 1 and 1.5 Skywards Miles per $1 spent on eligible purchases. It also offers two complimentary lounge passes for Emirates Lounges in Australia, complimentary international travel insurance and interstate flight inconvenience insurance.

Details

Product details

Product Name Emirates Citi World Mastercard - DISCONTINUED
Balance transfer rate p.a. 0% for 9 months, then 22.24%
Balance transfer limit 80% of available limit
Purchase rate p.a. 21.49%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 22.24%
Min credit limit $15,000
Max credit limit $100,000
Card type Mastercard

Eligibility

Available to temporary residents No
Joint application No

Rewards

Rewards program Emirates Skyward Miles Program
Bonus points 60,000
Rewards points per $ spent 1
Rewards points cap 6,500

Fees

Annual fee $149 first year ($299 after)
Minimum monthly repayment 2% of the closing balance or $30, whichever is greater
Late payment fee $30
Foreign currency conversion fee 3.4%
Cash advance fee 3.5% or $3.50, whichever is greater
Overseas cash advance fee $5
Additional cardholder fee $0
Number of additional cardholders 4
On 1 June 2022, Citi's consumer banking business was acquired by NAB. Citi credit cards are still available for application and will have the Citi brand. However, the contract for these cards is now with NAB.

How to apply

You can apply for the Emirates Citi World Mastercard online in around 10 minutes. To get started, make sure you meet the eligibility criteria and have all the essential documents and details ready.

Eligibility criteria

  • Eligible balance transfer debt. If you plan to take advantage of the balance transfer offer, you can transfer up to 80% of your card's available credit limit from accounts not issued under the Citi brand.
  • Age. You must be at least 18 years old to apply.

Card benefits

  • Bonus Skywards Miles. This card offers 60,000 bonus Skywards Miles when you apply, get approved and make an eligible purchase within the first 90 days from card approval. The bonus miles will be credited to your account within 10 weeks after meeting the spend criteria.
  • Annual fee discount. Apply and save $150 with a discounted annual fee of $149 for the first year ($299 thereafter).

Rates & fees

  • Annual fee. Outside of any promotions, this card charges a $299 annual fee.
  • Interest rates. This card charges a purchase rate of 21.49% p.a. and a cash advance interest rate of 22.24% p.a.

Your reviews

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Ask a question
Avatar

Amy Finder

Editor

Hi there, looking for more information? Ask us a question.

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Avatar

Ahmad El Shamy

December 05, 2021

I’m a PR resident but I don’t have an annual income or bank details as I’m a new comer, So is it possible to have emirates citi world mastercard?


Avatar

Chris Giovine Finder

December 08, 2021

Hi Ahmed,


The Emirates Citi World Mastercard requires you to have a minimum annual income of $75,000 to apply. As you are on a PR visa, most credit card issuers would still require you to have regular, Australian taxable income. Aside from that, some others will need you to have a specific amount of Australian dollars in an Australian bank account. Credit cards also set minimum income conditions like the Emirates Citi World Mastercard.


However, you may want to check your options for credit cards that may accept non-resident or PR visa holders. As proof of income is an essential factor to be approved, it’s wise to check each of the eligibility requirements or criteria set by the card company before you apply.


Hope this can help.


Cheers,

Chris


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Geoff

May 10, 2019

Qantas premium frequent flyer seats are limited is the emirates ff program better?


Avatar

Mai Finder

May 11, 2019

Hi Geoff,


Thank you for reaching out.


Each frequent flyer (ff) program differs on the rewards that you can get from it. You may compare Qantas FF and Skywards FF and check what do you think will be more beneficial for you. Consider which airline or airlines do you usually fly with, how many of the program partners do you already spend with, the cost and how often do you actually fly. By identifying such, you should be able to compare them and see what will best suit your preference and needs.


You can head to our article on Frequent Flyer Comparison to help you on comparing your options and I hope that you will find it helpful.


Kind Regards,

Mai


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Jenny

October 09, 2018

Hi Joel,


Thank you for your response. Just further to that, how long would I need to wait before I apply for an Emirates Citibank MasterCard Credit card before I would be entitled to any bonus points that they may be offering at the time?


Thanks

Jenny


Avatar

Joel Marcelo

October 11, 2018

Hi Jenny,


Thanks for leaving a question on finder.


As long as 6 months has passed from the day you cancelled your Emirates Citi World card, you can apply again for the same product and enjoy the bonus points.


Please send me a message if you need anything else. :)


Cheers,

Joel


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Jenny

October 08, 2018

I have held an Emirates Citibank Mastercard in the past. I cancelled it 6 months ago. If I apply for a new Emirates Citibank Mastercard will I be entitled to the bonus skyward miles?


Avatar

Joel Marcelo

October 09, 2018

Hi Jenny,


Thanks for leaving a question on finder.


You will not be eligible for the promotion if you have held an Emirates Credit Card in the past 6 months. Please note that you need to have $75,000 as your annual income to be qualified as well.


Please send me a message if you need anything else. :)


Cheers,

Joel


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faran

January 22, 2018

is there expiry time on Emirates points?


Avatar

Joel Marcelo

January 23, 2018

Hi Faran,


Thanks for your question. Your Skywards Miles are valid for three years from the date of travel. Within the calendar year that Skywards Miles are due to expire, they will be removed from your account at the end of the month in which you were born.


For example, if you earned Miles in June 2016 and your birthday is in August, these Miles will expire on 31st August 2019.


Cheers!

Joel


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